Foreign Worker Insurance

Overview

Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers excluding Domestic Maid) in Malaysia.

It serves as a guarantee to the Immigration Department to cover repatriation expenses in the event where your foreign worker is required to be sent back to his country origin during his stay in Malaysia.

Key Coverages

This insurance guarantee will serve as a guarantee to the Immigration Department to cover repatriation expenses in the event the foreign worker is required by the authorities to be sent back to their country of origin during their stay in Malaysia. Duration of cover is set by Immigration Department depending on the work permit either thirteen (13) months, eighteen (18) months or twenty-six (26) months. Employer need to purchase a new guarantee upon renewing worker’s permit.

Overview

Foreign Worker Hospitalization & Surgical Insurance Scheme (SKHPPA) is a yearly renewable hospital and surgical insurance scheme designed to reduce the financial burden of the employer of foreign workers in the event of hospital admission of their foreign workers to a Non-Corporatised Malaysian Government Hospital due to an accident or illness.

Key Coverages

• Room & Board (Maximum 30 days)
• Intensive Care Unit (ICU) (Maximum 15 days)
• Hospital Supplies and Services
• Operating Theatre
• Anaesthetist Fees
• In-Hospital Physician Visit (Maximum 30 days)
• In-Hospital Specialist Consultation Visits (Maximum 30 days)
• Ambulance Fees/Medical Report Fees
• Maximum Annual Limit RM20,000

Overview

The Foreign Workers Compensation Scheme (FWCS) provides foreign workers for personal accident and repatriation benefits due to an accident arising out of or during his course of employment.

Key Coverages:

• Accidental death
• Medical expenses
• Permanent disablement
• Repatriation due to death or permanent disablement
• Temporary loss of income due to temporary disablement